85% LTC. Interest-Only.
Cincinnati builders and investors: ground-up construction financing up to 90% LTC and 75% LTARV. 12-24 month terms. Interest-only during build. Fast draw releases.
Check My Cincinnati Construction Rate →Ground-up construction loans in Cincinnati qualify based on the property's rental income, not your W-2 or tax returns. Up to 85% LTC and 75% LTARV, 12-24 month terms, interest-only on drawn funds, first-time builders welcome with experience.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
Cincinnati combines low entry prices ($215K median) with strong yields (9%+) and steady appreciation. Procter & Gamble HQ and a stable employment base drive consistent rental demand across submarkets.
Gentrifying urban submarket with strong rent growth
Premium rental market with stable long-term tenants
Active investor submarket with consistent cash flow
Affordable BRRRR market with appreciating rents
Premium urban submarket with strong rental demand
We also fund investments throughout the greater Cincinnati metro including Blue Ash, Mason, West Chester, and Northern Kentucky (Covington, Newport).
Borrower names and exact addresses anonymized for privacy. Rates and terms reflect actual closed deals through LendingStreet's network of 30+ capital sources.
Cincinnati ground-up construction loans go up to 90% LTC (loan-to-cost) and 75% LTARV (loan-to-after-repair-value).
12-24 months standard. Extensions available if needed. Most spec builders prefer 18-month terms.
Yes, but interest-only on funds drawn — not the full loan. This keeps carrying costs manageable during the build phase.
5-7 business days from inspection. We work with regional inspectors familiar with the Cincinnati market.
680+ for standard programs. 720+ unlocks the best pricing. Experience required (1-2 completed projects).
Yes. Standard for construction projects — provides liability protection during the build phase.
$250K minimum. Maximum $5M+ for qualified borrowers with development experience.
Yes. Cincinnati infill projects are a core market. Custom homes, spec builds, and townhouse projects all qualify.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Ohio investor market.
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